Frequently asked questions
Am I eligible for a Cardless product?
Cardless products are available to qualified individuals aged 18 and above with a Social Security Number and a valid (non-PO Box) mailing address in the United States. To obtain a card, a qualified individual must apply for and be approved to receive a card.
Can I apply for multiple Cardless products?
No. Currently, Cardless customers may open a maximum of one credit card account. At this time, if you are a current Cardless customer, it is not possible to change to a different product or close your account and open a new one.
Will I have to pay an annual fee?
It depends on which product you apply for. Some of our premium products charge annual fees. However, Cardless does not charge foreign transaction fees, late-payment fees, or over-the-the-credit-limit fees on any of our products. If you carry a balance beyond your payment date, interest charges may apply, as detailed on each account statement.
For more info about our no annual fee cards, see here.
For more info about our annual fee cards, see here.
What is a virtual card and how do I use it?
Each Cardless product allows you to create a virtual card number that you can use for online transactions. Once you’re approved for a Cardless account, you can begin to use this number immediately while you wait for your physical card to arrive. Simply download and open the Cardless app and tap to view your virtual card number, security code, and expiration date. You can replace your virtual card number easily in the Cardless app.
Do I need to request a physical card?
A companion physical card will automatically be sent to the mailing address Cardless has on file for you after account approval. Cardless is entirely mobile wallet-friendly. While you're waiting for your physical card to arrive, you can add your virtual card to Apple Wallet via the mobile app or Google Pay to start using it everywhere that mobile wallets are accepted. You can also use your virtual card to make purchases online.
Does Cardless report to credit bureaus?
Yes. When you agree to a Cardless credit card, we may obtain credit reports about you. We also may report late payments, missed payments or other defaults, or information about your account to credit reporting agencies. Information we provide to these credit reporting agencies may appear on your credit report. If you fail to comply with any term of your Cardholder Agreement, we will notify a credit reporting agency, which may have a negative impact on your credit report. Please see the Cardless Consumer Cardholder Agreement.
Why was my application declined?
We’re sorry that we could not offer a line of credit to you at this time. You may reapply after 45 days, though please note we cannot guarantee you will be approved.
